Home Insurance in Towner, North Dakota
Homes in Towner carry a median value of $78,400 - 48% lower than the McHenry County median.
The typical home in Towner was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 3 points below McHenry County's 41%.
In Towner, the housing stock is 77% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Towner have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 79% of occupied homes in Towner are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Towner, 40% of homes are primarily heated with electricity.
FEMA rates McHenry County's overall risk as Very Low, led by winter weather (Relatively High). McHenry County had 34 active NFIP flood policies as of September 2026. See the full McHenry County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in North Dakota carries a statewide average premium of $1,414 per year.
Key figures
| Median home value | $78,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in McHenry County | 34 |
| Home insurance premium | $1,414 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)